Credit Underwriter II – Portfolio Management/Commercial Real Estate Banking

Responsibilities

• Leads the credit analysis process with the support of other analysts and associates
• Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
• Makes sure the operating performance and financial conditions of existing commercial real estate facilities are monitored to proactively identify issues and opportunities
• Assists in delivering financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
• Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
• May have primary coverage responsibility for a portfolio of clients with credit approval for certain credit actions
• Participates in loan structure conversations and completion of loan documentation with internal/external legal partners
• Executes post-close credit activities, including documenting conditions, administering approved extensions, and coordinating related legal documentation
• Performs comprehensive portfolio monitoring and maintenance activities, including covenant compliance, construction and collateral reviews, financial and guarantor analysis, and ongoing risk assessment
• Contributes to process improvement and simplification initiatives to enhance portfolio oversight, credit execution, and operational efficiency

Requirements

• 5+ years commercial credit financial analysis and portfolio management experience
• 5+ years of financial accounting, financial modeling or loan structuring
• Bachelor’s degree in finance, accounting, economics or similar
• Certificate from accredited real estate educational program
• Large money center bank experience
• CRE portfolio management experience